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PODCAST

The Fat Wallet Show from Just One Lap

The Fat Wallet Show is a show about questions. It"s about admitting that we don"t know everything, but that we"re willing to learn. Most of all, it"s about understanding as much as we can to make us all better investors. Phrases like, "I"m not sure" or, "Let me look that up and get back to you" or, "I don"t know" don"t exist in the financial services industry. If you ever had a financial question you were too embarrassed to ask, you know what we"re talking about. In this business, appearances

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All Episodes

38:29

Fast Fatty the First (#225)

The Fat Wallet Show from Just One Lap ·

2020/11/08

We use my long-awaited holiday to catch up to some user questions for the next three weeks. We hope you enjoy the shorter episodes as much as I plan on enjoying my break! Willem I have an endowment in my portfolio which was a five year investment which started in July 2003 with the last payment in July 2007 which matured July 2008. Tax was deducted on all these investments for this endowment at ACSIS/OLD MUTUAL as per quarterly reports, as well as capital gains tax. When inquiring at Old Mutual

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01:23:28

Tax planning for humans (#224)

The Fat Wallet Show from Just One Lap ·

2020/11/01

With Simon celebrating his birthday on the beach, this week’s episode is a tax bonanza. De Wet de Villiers, King of the Tax Elves and Great Guy finally shares with all of you what he shares with me for free every Monday. I love talking about tax, which is why this week’s episode is much longer than usual, and much shorter than it could have been. He gives us a useful checklist of things all of us should do when we submit our tax returns, among them: If you earn less than R500,000 per year, you

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49:04

The 100-year investment (#223)

The Fat Wallet Show from Just One Lap ·

2020/10/25

You might not be thinking about where your family will be in 2120, but Greg is. This week he shares a mad plan to make a 100-year investment. Greg I thought about starting an investment with a 100- year time horizon. A lot can happen in 100 years. Maybe we don't use money anymore. Maybe earth explodes. Who knows? But if things still kind of resemble the way they are now and there's still a stock market then once off R10,000 invested in equities could be worth around R30m in 100 years (in today's

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01:05:52

Getting out of investments (#222)

The Fat Wallet Show from Just One Lap ·

2020/10/18

We spend a lot of time thinking about building an asset base and which assets we should be buying. As you approach financial independence, getting rid of assets starts to present problems. Which assets should you get rid of first? How do you manage your capital gains liability? How many of your assets should you get rid of and when? How can you use a capital loss to offset your capital gains liability? This week we consider the challenges in living off your investments. If you’ve spent your whole

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01:05:27

How to spot a con (#221)

The Fat Wallet Show from Just One Lap ·

2020/10/11

I find it odd that so many people fear the stock market and then get lured into financial scams. Inspired by James, who is trying to keep his clan from being conned, we help you figure out when something is just not right. Here are some tips to get you going: Find out if the company or product is registered with the Financial Services Conduct Authority (FSCA). This is not foolproof, but it takes a diligent kind of con artist to steal money in this way. It does filter out a lot of the scum. Run the

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01:06:16

The jargon buster episode (#220)

The Fat Wallet Show from Just One Lap ·

2020/10/04

Much of what makes investing confusing is that we use different terms to talk about the same thing. This is so frustrating for beginners. This week, we tackle jargon head-on. Not only do we tell you which terms are used interchangeably, but also what they mean. Here are the terms we discussed: Stocks, equities, shares. Stock market vs stock exchange Coupons and interest. Debt instruments, preference shares and bonds. Index-tracking products, index funds, ETFs and UTs, collective investment

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01:02:11

What should I do with all my cash? (#219)

The Fat Wallet Show from Just One Lap ·

2020/09/27

When you’ve gotten your debt and spending under control, it can be comforting to hold on to your free cash for a while. Taking the leap from that safe pile of money to the Big Bad Market is not easy. However, as we’ve discussed before, cash is not a risk-free investment. The longer you sit on a lump sum of cash, the more risky it becomes. This is because of inflation. The effects of inflation are difficult to internalise because the rand value of your money stays the same. Let’s say you put R100,000

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01:02:36

How to correct an investing mistake (#218)

The Fat Wallet Show from Just One Lap ·

2020/09/20

Often the fear of making a mistake keeps us from starting our investment journey. It feels like everything is on the line when we make our first investment, but missteps can be corrected fairly easily. Even the mistake of waiting too long and starting too late can be corrected. This week we think through some of the mistakes new investors fear most and how they can be corrected. Hopefully this episode will give you the courage you need to take the plunge. Subscribe to our RSS feed here. Subscribe

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01:01:29

Understanding endowment policies (#217)

The Fat Wallet Show from Just One Lap ·

2020/09/13

I’ve been avoiding talking about endowment policies, because what even are they? I haven’t come across one in my own investment life. This week, a question from Sandile sent me down the endowment road. I had fun with it. I got the Tax Elves involved. They had fun with it. Fun was had by all. Endowments are the love child of insurance and investments. They have a five-year lock-in period, a tax rate of 30%, a life assured and a beneficiary. If you are in a higher tax bracket and looking for a

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01:01:48

How to make up for lost time (#216)

The Fat Wallet Show from Just One Lap ·

2020/09/06

Most of us kick our 20-year-old selves for spending all our money making poor decisions in Melville instead of taking full advantage of compounding. The financial independence, retire early (FIRE) movement has given us valuable tools to reach our financial goals despite those late nights in Melville. I discussed that with FIRE-man Patrick McKay here. Since regret over lost investment time is something so many investors grapple with, we wondered whether we could quantify exactly how much we missed

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01:01:41

Monthly income at retirement (#215)

The Fat Wallet Show from Just One Lap ·

2020/08/30

There’s more guesswork involved in retirement planning than we’d like to admit. If you’ve ever gone through the retirement planning process with a financial advisor, you know what I mean. To calculate how much money you’ll need for retirement, you need to factor in the expected inflation rate as well as the expected growth rate of your investments. If you had the ability to know those things with any degree of certainty, you wouldn’t need to do any retirement planning because you’d be psychic. One

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DIY diversification (#214)

The Fat Wallet Show from Just One Lap ·

2020/08/23

What is diversification? Should you care about it? If you do care about it, how do you do it? In this week’s episode of The Fat Wallet Show, we spend some time at the intersection between risk and diversification. We help you think through the role of cash in a portfolio and once again reject the idea that your portfolio should start de-risking in your fifties. Coronavirus or no, modern humans live for a long time. Very few people can afford a multi-decade low-growth portfolio. We spend a little

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58:27

DIY diversification (#214)

The Fat Wallet Show from Just One Lap ·

2020/08/23

What is diversification? Should you care about it? If you do care about it, how do you do it? In this week’s episode of The Fat Wallet Show, we spend some time at the intersection between risk and diversification. We help you think through the role of cash in a portfolio and once again reject the idea that your portfolio should start de-risking in your fifties. Coronavirus or no, modern humans live for a long time. Very few people can afford a multi-decade low-growth portfolio. We spend a little

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01:02:52

How to compare investment products (#213)

The Fat Wallet Show from Just One Lap ·

2020/08/16

Not all investment products are created equal. This week, listener JP was struggling to understand why his RA was performing so poorly while his tax-free account was making money. The answer is important for everyone who holds more than one investment product. This week we help you (and JP) work out what exactly you should be looking at to ensure you’re comparing apples with apples. We discuss the role of Regulation 28 in the performance of retirement products, how different asset classes behave,

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56:47

How to invest BIG money (#212)

The Fat Wallet Show from Just One Lap ·

2020/08/09

Those of us slowly building a portfolio every month accept our investments will be determined by our overall strategy. This strategy would include our ultimate financial goal, plans around asset allocation, diversification, tax planning and future drawdown management. We understand we have to consider these variables throughout our portfolio, including our retirement products. New money coming in goes towards old strategies. It’s boring, but effective. Those who just came into a large amount of

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01:05:47

Help me help my parents! (#211)

The Fat Wallet Show from Just One Lap ·

2020/08/02

The financial services industry has done nobody any favours. Not only were many of our parents sold retirement products with exorbitant fees, they are also offered the same awful choices now they’ve reached retirement age. They have learned the hard way you can spend your life doing everything right and still lose because of bad products with high fees. This week we received five different questions from listeners who are trying to help their parents navigate the terrifying world of retirement

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01:05:27

Workplace pensions vs RAs (#210)

The Fat Wallet Show from Just One Lap ·

2020/07/26

You may not be very happy with your workplace pension fund. In this week’s episode, we think through some of the things you can do to remedy that situation. Pension funds, like all other retirement products, have to be Regulation 28-compliant. That means you don’t have much control over what’s inside. However, you can control your contributions and the fee you’re willing to pay. You can also insert yourself into how your workplace pension is managed by becoming a pension fund trustee. You can find

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01:00:35

Medics tribute show (#209)

The Fat Wallet Show from Just One Lap ·

2020/07/19

There seems to be a battle for dominance raging between medical professionals and engineers on this show. This week we happened to receive emails from four healthcare professionals. Considering what’s happening in our hospitals at the moment, we decided to dedicate this week’s show to these heroes. Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Win of the week: Busi I am a doctor who has worked in both the public and private sectors. I have a stockbroking account and always

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55:30

The two-stage FIRE approach (#208)

The Fat Wallet Show from Just One Lap ·

2020/07/13

If you went into formal employment straight out of university or school, odds are you have some sort of pension fund or retirement annuity. You may since have realised the idea of working until you’re 65 is entirely optional. If you’ve already allocated a large part of your income towards your retirement, you need to find a way to incorporate that money into your early retirement strategy. Our friend Kris has been giving some thought to this process. Your challenge lies in balancing two

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01:01:25

Investing in China (#207)

The Fat Wallet Show from Just One Lap ·

2020/07/05

If you listened to this episode on a single ETF strategy, you know my investment philosophy. This simple approach to investing saves me a lot of drama. When a new product comes to the market, I ask myself if it fits with my original philosophy. If it doesn’t, I can satisfy my curiosity about the product without touching my investments. This is a good way to live. The new China ETF from Satrix disturbed my Zen approach. If my philosophy is to invest in all the companies in the world according to

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